Get up to 70% of your salary if you can't work due to illness or injury.Compare policies from 15+ UK insurers and protect your family's lifestyle when you need it most.
Important
This is a comparison website. We do not provide financial advice or recommend specific policies.
Most customers find competitive rates
Quick setup to get you the best rates from top UK insurers.
The reality of being unable to work in the UK
People will be unable to work for 6+ months before retirement
Average time savings last when someone stops working
Maximum statutory sick pay period in the UK
Weekly statutory sick pay rate (2024)
Regular income when you can't work
You become unable to work due to illness or injury covered by your policy
Doctor confirms you cannot perform your job
Wait through the deferred period (4-52 weeks) before benefits start
Longer wait = lower premiums
Get monthly payments of up to 70% of your salary until you can work again
Tax-free monthly income
Choose the right level of protection
Pays out if you can't perform your specific job, even if you could do other work. The highest level of protection.
Example: A surgeon who loses use of their hands can claim, even if they could work as a GP.
Pays out if you can't perform any job that matches your skills, experience, and training. More affordable option.
Example: A teacher who can't teach due to stress might not claim if they could work in educational administration.
Important options that affect your cover
Usually 50-70% of your gross salary. Higher percentages cost more but provide better protection.
How long you wait before benefits start. Options range from 4 weeks to 2 years. Longer periods = lower premiums.
Increases your benefit amount each year to keep pace with inflation. Protects against rising costs.
Premiums stay the same for the life of the policy. More expensive initially but provides certainty.
Pays partial benefits if you can work part-time or in a lower-paid role. Helps with gradual return to work.
Stops premium payments while you're claiming benefits. Usually included at no extra cost.
How it compares to existing support
| Type | Amount | Duration | Conditions |
|---|---|---|---|
| Income Protection | Up to 70% of salary | Until retirement age | Own/suited occupation |
| Statutory Sick Pay | £116.75/week | 28 weeks maximum | Unable to work 4+ days |
| Employer Sick Pay | Varies by employer | Usually 3-6 months | Company policy |
| ESA (Employment Support) | £84.80-£129.50/week | Indefinite (means tested) | Limited capability for work |
Compare income protection quotes from top UK insurers and safeguard your family's future.